State credit union · Grand Rapids, Michigan · NCUA charter #62217
Aac
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $205.5M
- Total assets
- 14,960
- Members
- 23.6%
- Net-worth ratio
Aac - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62217: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Aac - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)98
- Earnings (ROA)100
- Member growth73
- Liquidity (loan-to-share)100
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 23.59% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 23.59% | 30% |
| Delinquency Rate | 0.56% | 25% |
| Return on Assets | 1.10% | 15% |
| Member Growth | 1.62% | 15% |
| Loan-to-Share Ratio | 78.36% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $205.5M | 14,960 |
| 2024Q4 | $194.9M | 14,721 |
| 2023Q4 | $184.2M | 14,941 |
Credit Union Details
- Charter Number
- 62217
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Grand Rapids
- Data Quarter
- 2025Q4
What This Data Says About Aac
14,960 members and $205.5M in total assets sit behind Aac, a state credit union in Grand Rapids, Michigan, which posts a health score of 95/100 (Excellent) on the five-factor composite, with $121.0M in outstanding loans as of Q4 2025 and a net worth ratio of 23.59% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #62217 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.56% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 78.36% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.10% on net income of $2.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.62%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Aac financially healthy?
Aac scores 95/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 23.59% net worth ratio and a 0.56% delinquency rate.
How does Aac compare to other credit unions?
Five weighted metrics from NCUA filings produce Aac's 95/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Aac?
Membership eligibility for Aac depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Aac directly for current membership requirements and application steps.
Is my money safe at Aac?
Federal credit unions like Aac are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Aac's net worth ratio of 23.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Aac offer compared to banks?
Credit unions like Aac are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Aac directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.